| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 7000 N. MOPAC EXPY, STE 365 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $858 | $357 | $1K | 8.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 7000 N. MOPAC EXPY, STE 365 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $226 | $2K | 20.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 7000 N. MOPAC EXPY, STE 365 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $888 | $4K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 978 | $168K |
| Vision | COMMUNITY INSURANCE COMPANY | 377 | $53K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 645 | $0 |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 544 | $23K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 645 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.